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Ben Franklin on US currency wearing a mask (Photo: Shutterstock)

As the pandemic slowly begins to wind down, economists are taking the pulse of small business. Their performance is critical to the overall U.S. economy, with small businesses employing nearly half of the workforce, creating two-thirds of net new jobs and accounting for 44 percent of economic activity.

A survey by Clutch identified the four greatest financial challenges they faced in 2020:

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